Commercial auto.
Without the spin.

Here’s the situation.

What you haul, where you drive, whose authority you operate under, and who owns the truck all matter. Commercial auto liability, physical damage, motor truck cargo, and other protections address different exposures.

Three questions before you assume anything.

1. How do ownership, leases, operating authority, and vehicle use affect the policy?
2. Which cargo, territories, drivers, and exclusions are relevant?
3. Which filings and limits does your operation require, and who handles them?

The policy outranks the punchline.

These are general educational descriptions. A policy’s definitions, conditions, limits, endorsements, and exclusions determine its scope. Discuss your needs and the actual wording with a licensed insurance professional.